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Homeowners Assistance Program

NFCC and Divvy Homes Partnership Helps Renters Become Homeowners

The National Foundation for Credit Counseling (NFCC) and Divvy Homes are partnering to help renters take steps toward affordable, sustainable homeownership. The program, which also involves NFCC Member agency, Money Management International (MMI), will provide prospective home owners with access to a dedicated coach through the Envisioning Home Ownership (EHO) program announced in June of 2018. The coaches, all of whom are NFCC Certified Housing Counselors, will work with each individual to …Read More

Tips for Prospective Homebuyers with No Credit

By Tali Wee New homebuyers often ask: can I get a mortgage with no credit? The short answer is no. However, almost nobody has absolutely no credit. So, even if you don’t have a credit score, mortgage lenders may still lend to you based on other components of your credit history. What Credit History Lenders Look For If you’ve never had traditional credit like credit cards, student loans or car …Read More

Don’t Have 20 Percent to Put Down?Not a Problem.

By Chris Birk The days of scraping together a 20 percent down payment are mostly gone among today’s homebuyers, and it’s unclear if they’ll return. The average homebuyer puts down 16 percent of the purchase price, a 9.4 percent drop since May 2011, according to LendingTree. But it’s certainly possible for prospective buyers to lock into a loan with far less cash at the ready. Some housing observers have made the case …Read More

How Housing Counseling Could Help You

By Lauralynn  Schueckler Whether you are thinking of buying your own home or are already a homeowner, housing counseling can offer valuable help when you need it most. It is a common misconception to believe that housing counseling is only for people whose mortgages are underwater or those who have bad credit.  For those who are interested in becoming a homeowner, housing counselors can offer some compelling arguments to support the …Read More

Thank You Veterans For Your Service

In honor of Veterans’ Day I would like to take this opportunity to thank all of you service members, both active and retired, and your families for your service to our country.  I also want to let all servicemen and women know about a program that might greatly benefit you and your families. Housing issues are a problem for many families across our country, military and civilian.  A variety of …Read More